CHI Travel Insurance

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1 CHI Travel Insurance Expanded Wholesaler Insolvency List* * on selected plans Combined Financial Services Guide and Product Disclosure Statement (including Policy Wording) Effective Date 14 June 2015

2 PART 1 - FINANCIAL SERVICES GUIDE Contents PART 1 - FINANCIAL SERVICES GUIDE Financial Services Guide 1 PART 2 - PRODUCT DISCLOSURE STATEMENT About this Product Disclosure Statement 3 Summary of Benefits 6 Additional Options 8 Pre-existing Medical Conditions 9 Important Matters 13 Words with Special Meanings 22 How to Purchase a Traditional Policy 25 Table of Traditional Benefits and Premiums 27 How to Purchase a Basic Policy 31 Table of Basic Benefits and Premiums 33 Your Policy Cover 36 General Exclusions applicable to all Sections 53 Claims 56 Wholesaler List 58 Application Form Back cover Contact Details Back cover Financial Services Guide This Financial Services Guide (FSG) has been designed to help you make an informed decision about the financial services that the Authorised Representative and Allianz Global Assistance can provide to you. It also contains information about how they and others are remunerated for providing these financial services and how your complaints are dealt with. Where they arrange an insurance policy for you, they will give you a Product Disclosure Statement (PDS) when required. The PDS is designed to provide important information on the significant features and benefits of the policy and is designed to assist you in making an informed decision about whether to buy the product. It may consist of more than one document. Any advice that is provided to you is general in nature and does not take into account your individual objectives, financial circumstances or needs. Before you make any decisions about the product, you should read the PDS carefully to ensure that it is suitable for you. ABOUT ALLIANZ GLOBAL ASSISTANCE Allianz Global Assistance - a trading name of AGA Assistance Australia Pty Ltd ABN AFS Licence No of 74 High Street, Toowong, Queensland 4066 Telephone is an Australian Financial Services Licensee authorised to deal in and provide general advice on general insurance products. Allianz Global Assistance has been authorised by the insurer, Allianz Australia Insurance Limited (Allianz) ABN AFS Licence No of 2 Market Street, Sydney, New South Wales, 2000 Telephone , to act on its behalf to deal in and provide general advice and handle and settle claims in relation to travel insurance products underwritten by Allianz. Allianz Global Assistance has a binding authority which means it can enter into, vary or cancel these insurance products and handle and settle claims without reference to Allianz provided it acts within the binding authority. When providing these services, Allianz Global Assistance acts for Allianz and does not act on your behalf. CHI TRAVEL INSURANCE AND THE AUTHORISED REPRESENTATIVE CHI Travel Insurance Pty Ltd (CHI Travel Insurance) ABN Authorised Representative Number of 10/9 Bungan Street, Mona Vale, New South Wales 2103 Telephone or is an authorised representative of Allianz Global Assistance. CHI Travel Insurance is the authorised representative that provides the financial services when you purchase this product through the website at or over the telephone. If you purchase this product through a travel agent, other than CHI Travel Insurance, the full details of the Authorised Representative that provides the financial services to you is set out on the back cover of this Combined Financial Services Guide and Product Disclosure Statement. If no details are provided, please ask the travel agent to provide you with these details. CHI Travel Insurance and the Authorised Representative are authorised by Allianz Global Assistance to deal in and provide general advice on travel insurance products underwritten by Allianz. CHI Travel Insurance and the 1

3 Authorised Representative act for Allianz Global Assistance and do not act on your behalf. The distribution of this FSG has been authorised by Allianz Global Assistance. PROFESSIONAL INDEMNITY INSURANCE ARRANGEMENTS Allianz Global Assistance and its representatives (including its authorised representatives) are covered under professional indemnity insurance that complies with the requirements of section 912B of the Corporations Act. The insurance (subject to its terms and conditions) will continue to cover claims in relation to Allianz Global Assistance's representatives/employees who no longer work for it (but who did at the time of the relevant conduct). REMUNERATION The premium for this travel insurance policy is payable to Allianz as the insurer. CHI Travel Insurance and the Authorised Representative receive a commission (inclusive of GST) when you buy a policy from a travel agent, which is calculated as a percentage of the premium you pay for the travel insurance policy issued to you. It is only paid if you buy a policy. Allianz Global Assistance is also remunerated by Allianz for providing services on behalf of Allianz. This is a percentage (exclusive of GST) of the premium that you pay for an insurance policy and is only paid if you buy a policy. Employees and representatives of CHI Travel Insurance, the Authorised Representative and Allianz Global Assistance receive an annual salary. Employees and representatives of CHI Travel Insurance and the Authorised Representative may also receive a bonus based on performance criteria which can include sales performance. The above remuneration is included in the premium you pay. If you would like more information about the remuneration that the Authorised Representative receives, please ask them. If you would like more information about the remuneration that CHI, or employees and representatives of CHI or Allianz Global Assistance, receives please ask them. This request should be made within a reasonable time after this FSG is provided to you and before the financial services are provided to you. IF YOU HAVE A COMPLAINT Should you have a complaint or dispute arising out of this insurance, or our employees, authorised representatives or service providers, please call Allianz Global Assistance on or put the complaint in writing and send it to 74 High Street, Toowong, Queensland A dispute may also be referred to the Financial Ombudsman Service Limited (FOS), which is an independent external dispute resolution body. For more information or to access the FOS process please call Alternatively you can write to the FOS at GPO Box 3, Melbourne, Victoria Access to the FOS is free. PRIVACY STATEMENT Allianz Global Assistance and CHI are committed to ensuring the privacy and security of your personal information. They adhere to the privacy terms set out in Important Matters in the PDS. HOW TO CONTACT US You can contact CHI or Allianz Global Assistance or provide them with instructions using the contact details outlined in this FSG. Please keep this document in a safe place for your future reference. DATE PREPARED This FSG was prepared on 14 June, PART 2 - PRODUCT DISCLOSURE STATEMENT About this Product Disclosure Statement A Product Disclosure Statement (PDS) is a document required by the Corporations Act 2001 (Cth) and contains information designed to help you decide whether to buy the policy and to compare it with other products you may be considering. This PDS sets out the cover available and the terms and conditions which apply. Please note that any recommendations or opinions in this document are of a general nature only and do not take into account your objectives, financial situation or needs. If we are unable to offer you the cover you seek, it will be because the particular product offered is not designed to cover a particular risk or risks including, but not limited to, some geographical regions, some pre-existing medical conditions or some ages. In such a case, if you would like to discuss your options please use the contact details on the back cover of this PDS. This PDS, together with the Certificate of Insurance and any written endorsements by us, make up your contract with Allianz. Please retain these documents in a safe place. ABOUT THE AVAILABLE PLANS You can choose a plan from either our Traditional or Basic range: Traditional Plans Plan A - Comprehensive (includes all Sections*); Plan B Australia Only (includes Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16); Plan C Medical & Liability (includes Sections* 2, 3 & 15); Plan D Frequent Traveller (includes all Sections while travelling internationally and Sections 1A, 1B, 1C, 4 & 6 to 16 while travelling domestically which involves an interstate destination or intrastate destination (minimum of 100km from Home)); Plan E Non Residents (includes Sections 1A, 2 to 7, 9 & 11 to 16); Only available to eligible applicants: Plan F Non-Medical Cover (includes Sections # 1A, 1B, 1C, 4, 6, 7 & 9 to 16). * you will not have cover under certain Sections while travelling in Australia - see "How to Purchase a Traditional Policy" pages 25 & 26 for details. # you will not have cover under Sections 7, 9, 10, 12 and 14 while travelling in Australia. Basic Plans Basic International (includes all Sections*); Basic Australia Only (includes Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16); Basic Frequent Traveller (includes all Sections while travelling internationally and Sections 1A, 1B, 1C, 4 & 6 to 16 while travelling domestically); Basic Non-Residents (includes Sections 1A, 2 to 7, 9 & 11 to 16); Only available to eligible applicants: Basic Non-Medical Cover (includes Sections # 1A, 1B, 1C, 4, 6, 7, 9 to 16). * you will not have cover under certain Sections while travelling in Australia - see "How to Purchase a Basic Policy" pages 31 & 32 for details. # you will not have cover under Sections 7, 9, 10, 12 & 14 while travelling in Australia. 2 3

4 UNDERSTANDING YOUR POLICY AND ITS IMPORTANT TERMS AND CONDITIONS To properly understand this policy s significant features, benefits and risks you need to carefully read: The benefit limits provided under each plan in the Traditional Table of Benefits pages 27 to 30 or the Basic Table of Benefits pages 33 to 35, when We will pay a claim under each Section applicable to the cover you choose ( Your Policy Cover pages 36 to 52), any endorsements under Additional Options page 8 and Pre-existing Medical Conditions pages 9 to 12 (remember, certain words have special meanings see Words with Special Meanings pages 22 to 24); Important Matters (pages 13 to 21) - this contains important information on applicable Excesses, the period of cover and extensions of cover, the cooling-off period, your Duty of Disclosure (including how the duty applies to you and what happens if you breach the duty), our privacy notice and dispute resolution process, the Financial Claims Scheme, when you can choose your own doctor, when you should contact Allianz Global Assistance concerning 24 hour medical assistance, Overseas hospitalisation or medical evacuation, and more; When We will not pay a claim under each Section applicable to the cover you choose ( Your Policy Cover pages 36 to 52) and General Exclusions Applicable to all Sections pages 53 to 55 (which provides details of the general exclusions that apply to all covers and benefits); and Claims (pages 56 & 57) - this sets out important information about how we will pay claims. It also sets out certain obligations that you and we have. If you do not meet them we may refuse to pay a claim. APPLYING FOR COVER When you apply for the policy, we will confirm with you things such as the period of cover, your premium, what cover options and Excess will apply, and whether any standard terms are to be varied (this may be by way of an endorsement). These details will be recorded on the Certificate of Insurance issued to you. This PDS sets out the cover we are able to provide you with. You need to decide if the benefit limits, type and level of cover are appropriate for you and will cover your potential loss. If you have any queries, want further information about the policy or want to confirm a transaction, please use the contact details on the back cover of this PDS. ABOUT YOUR PREMIUM You will be told the premium payable for the policy when you apply. It is based on a number of factors such as your destination(s), length of Journey, number of persons covered, your age, Pre-existing Medical Conditions, the plan and any additional options selected. The higher the risk, the higher the premium is. Your premium also includes amounts that take into account our obligation to pay any relevant compulsory government charges, taxes or levies (e.g. Stamp Duty and GST) in relation to your policy. These amounts are included on your Certificate of Insurance as part of the total premium. COOLING-OFF PERIOD Even after you have purchased your policy, you have cooling-off rights (see page 16 of Important Matters for details). WHO IS YOUR INSURER? This policy is underwritten by Allianz Australia Insurance Limited (Allianz) ABN AFS Licence WHO IS ALLIANZ GLOBAL ASSISTANCE? Allianz Global Assistance is a trading name of AGA Assistance Australia Pty Ltd. Allianz Global Assistance has been authorised by Allianz to enter into and arrange the policy and deal with and settle any claims under it, as the agent of Allianz, not as your agent. Allianz Global Assistance acts under a binder which means that it can do these things as if it were the insurer. It administers all emergency assistance services and benefits of this insurance. You may contact Allianz Global Assistance in an emergency 24 hours a day, 7 days a week. UPDATING THE PDS We may need to update this PDS from time to time if certain changes occur where required and permitted by law. We will issue you with a new PDS or a supplementary PDS to update the relevant information except in limited cases. Where the information is not something that would be materially adverse from the point of view of a reasonable person considering whether to buy this product, Allianz Global Assistance may issue you with notice of this updated information in other forms or keep an internal record of such changes (you can get a paper copy free of charge by calling CHI). PREPARATION DATE The preparation date of this PDS is 14 June,

5 Summary of Benefits This is only a summary of the benefits. Please read this PDS carefully for complete details of what We will pay and what We will not pay, and which of the Sections are provided under each plan (see pages 36 to 52). Importantly, please note that exclusions do apply, as well as limits to the cover. 1A CANCELLATION FEES AND LOST DEPOSITS (pg. 36 to 38) Cover for cancellation fees and lost deposits for pre-paid travel arrangements due to unforeseen circumstances neither expected nor intended by you and which are outside your control, such as: Sickness Injuries strikes collisions retrenchment natural disasters. 1B TRAVEL SERVICES PROVIDER INSOLVENCY (pg. 38) Financial loss due to the Insolvency of a Travel Services Provider. 1C Financial loss due to the Insolvency of a named Wholesaler. 2 OVERSEAS EMERGENCY MEDICAL ASSISTANCE/EVACUATION (pg. 39 & 40) Cover for emergency medical assistance while you are Overseas, including: 24 hour emergency medical assistance ambulance medical evacuations funeral arrangements messages to family Hospital guarantees. 3 OVERSEAS EMERGENCY MEDICAL & HOSPITAL EXPENSES (pg. 40 & 41) Cover for Overseas emergency medical treatment if you are Injured or become Sick Overseas, including: medical Hospital surgical nursing emergency dental treatment for the relief of sudden and acute pain to sound and natural teeth. 4 ADDITIONAL EXPENSES (pg. 41 to 43) Cover for additional accommodation and travel expenses caused by your health problems or someone else s resulting from: Sickness Injury death. Also cover for your Travelling Companion's or Relative's accommodation and travel expenses to travel to, stay near or escort you resulting from: hospitalisation medical evacuation. Cover for piste closure due to adverse snow conditions. Cover to hire ski and/or golf equipment following loss, theft of or damage to ski and/or golf equipment, as well as cover if your ski and/or golf equipment is delayed or misdirected. 5 HOSPITAL CASH ALLOWANCE (pg. 44) An allowance of $50 per day if you are hospitalised for more than 48 continuous hours while Overseas. 6 WHOLESALER INSOLVENCY (pg. 39) ACCIDENTAL DEATH (pg. 44) A death benefit is payable to your estate if you die within 12 months of, and because of, an Injury sustained during your Journey. 7 PERMANENT DISABILITY (pg. 45) A permanent disability benefit is payable for total loss of sight in one or both eyes, or loss of use of a hand or foot (for at least 12 months, and which will continue indefinitely) within 12 months of, and because of, an Injury you sustained during your Journey. 8 LOSS OF INCOME (pg. 45 & 46) A weekly loss of income benefit is payable if, due to an Injury sustained during your Journey, you are unable to work after your return to Australia for more than 30 days. LOSS OF TRAVEL DOCUMENTS, CREDIT CARDS AND TRAVELLERS 9 CHEQUES (pg. 46) Cover for the replacement costs of travel documents lost or stolen from you during your Journey, such as: passports credit cards travel documents travellers cheques. 10 THEFT OF CASH, BANK NOTES, CURRENCY NOTES, POSTAL ORDERS OR MONEY ORDERS (pg. 46 & 47) Cover for the following items stolen from your person: bank notes cash currency notes postal orders money orders. 11 LUGGAGE AND PERSONAL EFFECTS (pg. 47 to 49) Cover for replacing stolen or permanently lost Luggage and Personal Effects, or reimbursing repair cost for accidentally damaged items, including: luggage spectacles personal effects personal computers cameras. 12 LUGGAGE AND PERSONAL EFFECTS DELAY EXPENSES (pg. 49) Cover to purchase essential items of clothing and other personal items following your Luggage and Personal Effects being delayed, misdirected or misplaced by your Carrier for more than 12 hours. 13 TRAVEL DELAY EXPENSES (pg. 50) Cover for additional meals and accommodation expenses, after an initial 6 hour delay, if your Journey is disrupted due to circumstances beyond your control. 14 ALTERNATIVE TRANSPORT EXPENSES (pg. 50) Cover for additional travel expenses following transport delays to reach: a wedding funeral conference sporting event pre-paid travel/tour arrangements. 15 PERSONAL LIABILITY (pg. 51) Cover for legal liability including legal expenses for bodily injuries or damage to property of other persons as a result of a claim made against you. 16 RENTAL VEHICLE EXCESS / RETURN OF RENTAL VEHICLE (pg. 52) Cover for the excess payable on your Rental Vehicle's motor vehicle insurance resulting from the Rental Vehicle being: stolen crashed damaged and/or: the cost of returning the Rental Vehicle due to you being unfit to do so. 6 7

6 Additional Options Pre-Existing Medical Conditions SPECIFIED LUGGAGE AND PERSONAL EFFECTS COVER The maximum amount we will pay for all claims combined under Section 11 (Luggage and Personal Effects) is shown under the Traditional Table of Benefits" pages 27 to 30 or the Basic Table of Benefits" pages 33 to 35 for the plan you have selected. Please Note: for the purposes of this additional option and Section 11: specified items refers to Luggage and Personal Effects that have been listed as covered on your Certificate of Insurance with a nominated sum insured. unspecified items refers to Luggage and Personal Effects that have not been specifically listed on your Certificate of Insurance. Depending on the plan you choose, cover for any unspecified item is limited as set out below: Plans A, B, D, E & F $3,000 for personal computers, video recorders or cameras $1,000 for mobile phones (including PDAs and any items with phone capabilities) $750 for all other unspecified items Basic International, Basic Australia Only, Basic Frequent Traveller, Basic Non-Residents & Basic Non-Medical Cover $750 for all unspecified items. Additional cover can be purchased for specified items (excluding jewellery, bicycles and watercraft other than surfboards) up to a total amount of $5,000 for all items combined, by paying an additional premium. There is no cover for bicycles or watercraft (other than surfboards) under the policy. These items must not be specified and cover will not be provided for them. Your nominated limit for Specified Luggage and Personal Effects Cover will be shown on your Certificate of Insurance. Receipts and/or valuations must be provided in the event of a claim. Depreciation and the standard item limits shown above and under Section 11.1 b] will not apply to any specified items. This additional option is not available under Plan C. INCREASED RENTAL VEHICLE EXCESS COVER Plans A, B, D, E & F A $3,000 limit applies to your Rental Vehicle excess cover. You can purchase additional cover in $500 units, up to a total amount of $6,000, by paying an additional premium. This additional option is not available under Plan C. Basic International, Basic Australia Only, Basic Frequent Traveller, Basic Non-Residents & Basic Non-Medical Cover A $2,000 limit applies to your Rental Vehicle excess cover. You can purchase additional cover of $2,000, by paying an additional premium. REMOVAL OF STANDARD EXCESS You can remove the standard $150 Excess by paying an additional premium of $35. PRE-EXISTING MEDICAL CONDITIONS Please read this section carefully. Unless otherwise agreed, the policy only provides medical and Hospital expenses cover for unforeseen emergency medical events which occurred Overseas. Medical conditions that were pre-existing at or before the time of the policy being issued are not covered, unless they are a condition that we expressly agree to cover. If you have a Pre-existing Medical Condition that is not covered, we will not pay any claims arising from, related to or associated with that condition. This means that you may have to pay for an Overseas medical emergency which can be very expensive in some countries. What is a Pre-existing Medical Condition? A Pre-existing Medical Condition means a medical condition which you were aware of: 1. prior to the time of the policy being issued that involves: a) your heart, brain or circulatory system/blood vessels, or b) your lungs or a chronic airways disease, or c) cancer, or d) back pain requiring prescribed pain relief medication, or e) surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in Hospital, or f) Diabetes Mellitus (Type 1 or Type 2); OR 2. in the 2 years prior to the time of the policy being issued: a) for which you have been in Hospital or emergency department or day surgery, or b) for which you have been prescribed a new medication or had a change to your medication regime, or c) requiring prescription pain relief medication; For the purposes of this clause medical condition includes a dental condition; OR 3. prior to the time of the policy being issued that is: a) pregnancy, or b) connected with your current pregnancy or participation in an IVF program; OR 4. for which, prior to the time of the policy being issued: a) you have not yet sought a medical opinion regarding the cause; or b) you are currently under investigation to define a diagnosis; or c) you are awaiting specialist opinion. Travellers 75 years of age or over (only available under Plans A, B, Basic International & Basic Australia Only) If you are 75 years of age or over, the above plans may be available on application. Please contact your CHI agent for further details. We have the absolute right to accept or decline cover, or impose special conditions such as an Excess. 8 9

7 Medical conditions/circumstances which automatically exclude all cover for medical or Hospital expenses If you have any of the medical conditions/circumstances listed below, we are unable to offer you cover under the policy for any type of medical or Hospital expenses. This means that if you suffer from such a medical condition/ circumstance, you will not have medical or Hospital expenses cover for these medical conditions/ circumstances, or for any other medical conditions or circumstances which are not listed below: you are awaiting, or you have had, an organ transplant; you have been given a terminal prognosis, or have any condition with a life expectancy of under 24 months; you require home oxygen therapy, or you will require oxygen for the Journey; you have AIDS or an AIDS defining illness; or you have chronic renal failure which is treated by haemodialysis or peritoneal dialysis. If you suffer from any of the above medical conditions/circumstances, then you will still be able to obtain cover under Plan F (Non-Medical Cover) or Basic Non-Medical Cover- see benefit table below. If you are covered under Plan F or Basic Non-Medical Cover there will be no provision to claim under the following Sections of the policy for any claims arising from, related to or associated with any Injury or Sickness suffered by you: Section 1A: Cancellation Fees & Lost Deposits Section 4: Additional Expenses This means that under Plan F or Basic Non-Medical Cover, we will not pay: any medical or Hospital Expenses; or your Journey cancellation or rearrangement costs; or any additional or out of pocket expenses (including additional travel and accommodation expenses). Please contact CHI for further details. Table of Benefits Plan F Non-Medical Cover Basic Non- Medical Cover Policy section and benefit types Individual Individual *1A. Cancellation Fees & Lost Deposits unlimited $3,000 1B. Travel Services Provider Insolvency $10,000 $3,000 1C Wholesaler Insolvency $5,000 $500 *4. Additional Expenses $50,000 $5,000 *6. Accidental Death $25,000 $10,000 *7 Permanent Disability^ $25,000 $10, Loss of Travel Documents, Credit Cards & Travellers Cheques^ $5,000 $ Theft of Cash^ $250 $250 *11. Luggage & Personal Effects $8,000 $3, Luggage & Personal Effects Delay Expenses^ $500 $250 *13. Travel Delay Expenses $2,000 $1, Alternative Transport Expenses^ $5,000 $2, Personal Liability $5 million $1 million *16. Rental Vehicle Excess / Return of Rental Vehicle $3,000 $2,000 * sub-limits apply - refer to "Your Policy Cover" on pages 36 to 52 for details. ^ you do not have cover under these Sections while travelling in Australia. Conditions which are undiagnosed or awaiting specialist opinion Please note that we are unable to offer any cover for any medical conditions that you were aware of, or arising from signs or symptoms that you were aware of when this policy was issued, and for which at that time: you had not yet sought a medical opinion regarding the cause; or you were currently under investigation to define a diagnosis; or you were waiting specialist opinion. You may still purchase a travel insurance policy, or apply for cover of other Pre-existing Medical Conditions, however, there will be no provision to claim under any Section of the policy for any claims arising from, related to or associated with any of the above. Pre-existing Medical Conditions which may be covered with no additional premium payable Cover under the policy may be provided for a Pre-existing Medical Condition if the Pre-existing Medical Condition is described in the list below, provided that you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 18 months prior to the time of policy issue. We do not require any further information if your Pre-existing Medical Condition is described in this list, and has not given rise to your hospitalisation (including day surgery or emergency department attendance) in the 18 months prior to the time of the policy being issued: 1. Acne 2. Asthma, provided: you are under 60 years of age, and you have no other diagnosed lung disease. 3. Bunions 4. Carpal Tunnel Syndrome 5. Cataracts 6. Cleft Palate 7. Cochlear Implant 8. Coeliac Disease 9. Congenital Adrenal Hyperplasia 10. Congenital Blindness 11. Congenital Deafness 12. Conjunctivitis 13. Dengue Fever 14. Diabetes Type 1 or Type 2, or Glucose Intolerance provided: you were diagnosed over 6 months ago; and you have had no complications in last 12 months; and you have had no kidney, eye or neuropathy complications or cardiovascular disease, and you are under 50 years of age. 15. Dry Eye Syndrome 16. Dupuytren s Contracture 17. Ear Grommets, if no current infection 18. Eczema 19. Gastric Reflux (GORD) 20. Glaucoma 21. Gout 22. Hay fever 23. Hiatus Hernia if no surgery planned 24. Hormone Replacement Therapy 25. Hypercholesterolaemia (High Cholesterol) provided no cardiovascular disease and/or no Diabetes 26. Hyperlipidaemia (High Blood Lipids) provided no cardiovascular disease and/or no Diabetes 27. Hypertension provided no cardiovascular disease and/or no Diabetes 28. Hypothyroidism, including Hashimoto s Disease 29. Lipoma 30. Macular Degeneration 31. Meniere s Disease 32. Rhinitis 33. Rosacea 10 11

8 34. Sinusitis 35. Tinnitus 36. Single uncomplicated pregnancy, up to and including 23 weeks, not arising from services or treatment associated with an assisted reproduction program including, but not limited to, in vitro fertilisation (IVF). Unless you qualify for Plan F (Non-Medical Cover) or Basic Non-Medical Cover, the above free conditions are available to you regardless of whether you elect not to pay the premium for cover of your Pre-existing Medical Condition(s) or had cover declined for your Pre-existing Medical Conditions. However, if you have been hospitalised (including day surgery or emergency department attendance) for the Pre-existing Medical Condition in the 18 months prior to the time of policy issue, or your Pre- existing Medical Condition does not meet the description above, then we will require further information from you and cover may be excluded. Please refer to How do I obtain cover for my Pre-existing Medical Condition? below if your Pre-existing Medical Condition is not described above, or is described but has caused hospitalisation (including day surgery or emergency department attendance) in the 18 months prior to the time of policy issue. Note that while Pre-existing Medical Conditions not described above will require assessment, there are a range of medical conditions which may not result in any additional premium being charged. How do I obtain cover for my Pre-existing Medical Condition? If you are 74 years of age or under, and think you have a Pre-existing Medical Condition and would like cover for that condition, please contact your CHI agent or phone the CHI Medical Assessment line on or (02) You cannot apply for cover of Pre-existing Medical Conditions under Plans C, E, F, Basic Non-Residents or Basic Non-Medical Cover. If you have any questions about Pre-existing Medical Conditions, please contact your CHI agent. Please note that if you have a Pre-existing Medical Condition and: a] you do not apply for cover for that Pre-existing Medical Condition; or b] you apply for cover for that Pre-existing Medical Condition and we do not agree to provide cover for that Pre-existing Medical Condition; or c] we agree to provide cover for that Pre-existing Medical Condition and you do not pay the relevant additional premium, we will not pay any claims arising from, related to or associated with your Pre-existing Medical Condition. You cannot apply for cover for any medical conditions/circumstances which automatically exclude all cover for medical or Hospital expenses as listed under the heading 'Medical conditions/circumstances which automatically exclude all cover for medical or Hospital expenses' on page 10 of this PDS. PLEASE ALSO READ THE GENERAL EXCLUSIONS APPLICABLE TO ALL SECTIONS ON PAGES 53 TO 55 AND THE SECTION-SPECIFIC EXCLUSIONS ON PAGES 36 TO 52. Important Matters Under your policy there are rights and responsibilities which you and we have. You must read this PDS in full for more details, but here are some you should be aware of: WHO CAN PURCHASE THIS POLICY? Plans A, B, C, F, Basic International, Basic Australia Only & Basic Non- Medical Cover Cover is only available if: you are a Resident of Australia*; and you purchase your policy before you commence your Journey; and your Journey commences and ends in Australia. # * For temporary residents living in Australia who are not eligible for a Medicare Card Cover is available under Plan A, B, C, Basic International or Basic Australia Only, however: you must purchase your policy in Australia before you commence your Journey; and your Journey must commence and end in Australia. Cover for temporary residents of Australia temporarily travelling Overseas Cover (excluding any cover for Pre-existing Medical Conditions other than those specifically listed under the heading 'Pre-existing Medical Conditions which may be covered with no additional premium payable' on pages 11 & 12) is automatically available to temporary residents of Australia temporarily travelling Overseas and who, at the date the Certificate of Insurance is issued: are aged 74 years and under, hold a return ticket to Australia, have a Home address in Australia to which you intend to return, and hold a current Australian visa which will remain valid beyond the period of their Journey. Under Section 2 Overseas Emergency Medical Assistance/Evacuation if you Injure yourself Overseas or become Sick there or die there and it is necessary to repatriate you or your remains, we will at our option pay the lesser of the cost of returning you to your Home in Australia or to the international airport nearest to where you normally live Overseas. At that point, you will be responsible for all further costs, and cover under all Sections of the policy will end. # For Residents of Australia already Overseas If you are a Resident of Australia, cover is available under Plan A or Basic International if you purchase your policy while you are Overseas. However: your one-way Journey must commence Overseas and end in Australia. Policies purchased after leaving Australia You can purchase your policy after you leave Australia, subject to the following conditions: cover commences from the time the policy is issued; a waiting period of 48 hours from the Issue Date as stated on your Certificate of Insurance applies to all claims arising from, related to or associated with any Injury or Sickness, regardless of the Section that applies to the claim. This means that you will not be covered for medical expenses, cancellation fees and lost deposits, additional 12 13

9 expenses or hospital cash allowance arising from, related to or associated with any Injury or Sickness which happens within this waiting period; there is no cover for Pre-existing Medical Conditions other than those specifically listed under the heading 'Pre-existing Medical Conditions which may be covered with no additional premium payable' on pages 11 & 12; and cover ends when you return to your Home or the place you intend to reside in Australia, or on the Return Date set out on your Certificate of Insurance, whichever happens first. For policies purchased after leaving Australia, where the word "Journey" appears in this PDS, its definition in "Words with Special Meanings" (page 22) is deleted and replaced with: "Journey" means your travel from the time when your policy is issued while you are Overseas to the time when you return to your Home or the place you intend to reside in Australia. Plan D & Basic Frequent Traveller Cover is only available if: you are a Resident of Australia; and you purchase your policy before you commence your Journey; and your Journey commences and ends in Australia. If you have Family cover under Plan D or Basic Frequent Traveller, cover is provided to your spouse (or legally recognised de facto) when they are travelling with you or independently of you. Cover is also provided to your Dependants when they are travelling with you or your spouse (or legally recognised de facto). Plan E & Basic Non-Residents Non-Residents Cover Cover is only available if you are a Non-Resident - which means you: are not a Resident of Australia (see page 24 for definition of "Resident of Australia"); are travelling to, within and from Australia; and are not entitled to - or will not during the period of cover be entitled to - receive Medicare benefits (see below). This policy does not cover any event or occurrence where providing such cover would constitute health insurance business as defined under the Private Health Insurance Act 2007 (Cth) or would result in us contravening the Health Insurance Act 1973 (Cth), the Private Health Insurance Act 2007 (Cth) or the National Health Act 1953 (Cth). Health insurance business as defined under the Private Health Insurance Act 2007 (Cth) includes, but is not limited to, payment of fees or charges for treatment of travellers from countries that have a Reciprocal Health Agreement with Australia. At the time of preparing this PDS, Australia has Reciprocal Health Agreements with New Zealand, Italy, the Netherlands, Norway, Sweden, Finland, Malta, the Republic of Ireland, the United Kingdom, Belgium and Slovenia. If you require clarification, contact CHI Travel Insurance on or (02) before you apply. Please note the following conditions apply: if a policy is issued after the traveller's arrival in Australia, a waiting period of 48 hours from the Issue Date as stated on your Certificate of Insurance applies to all claims arising from, related to or associated with any Injury or Sickness, regardless of the Section that applies to the claim. This means that you will not be covered for medical expenses, cancellation fees and lost deposits, additional expenses or hospital cash allowance arising from, related to or associated with any Injury or Sickness which happens within this waiting period. you cannot purchase this cover if the period you are travelling Overseas exceeds the period you will be in Australia. there is no cover for Pre-existing Medical Conditions other than those specifically listed under the heading 'Pre-existing Medical Conditions which may be covered with no additional premium payable' on pages 11 & 12. there is no cover for medical or Hospital expenses in your Country of Residence. the policy can be signed by a sponsor who is a Resident of Australia. where the word 'Australia' or 'Australia or New Zealand' appears in this PDS, the policyholder s Country of Residence is to be substituted, except where it appears in: this section ( Who can Purchase this Policy? ); Jurisdiction and Choice of Law under Important Matters (on page 18); Words with Special Meanings (on pages 22 to 24) under the definitions of: "Country of Residence"; "Non-Resident" Resident of Australia we, our and us ; in Section 1A 1.2 j] & k] of Your Policy Cover (on page 38); in Section 3.2 d] of "Your Policy Cover" (on page 41); General Exclusions Applicable to all Sections (pages 53 to 55); Claims are Payable in Australian Dollars to You and Travel within Australia Only (pages 56 & 57); and on the back cover of this PDS. AGE LIMITS Age limits are as at the date of issue of your Certificate of Insurance. Plans A, B, Basic International & Basic Australia Only Available to travellers of all ages. Travellers aged 75 years and over The above plans are only available on application as cover is not automatic. Please contact your CHI agent or phone the CHI Medical Assessment line on or (02) Please Note: We have the absolute right to accept or decline cover, or impose special conditions such as an Excess. An additional premium for Pre-existing Medical Conditions may also apply. Plans C, D & Basic Frequent Traveller Available to travellers aged 74 years and under. Plan E & Basic Non-Residents Available to travellers aged 80 years and under. Plan F & Basic Non-Medical Cover Available to travellers of all ages who have a Pre-existing Medical Condition or circumstance which is listed on page 10 of the "Pre-existing Medical Conditions" section. Please contact your CHI agent for further details. PERIOD OF COVER You are not covered until we issue a Certificate of Insurance. That Certificate forms part of your policy. The period you are insured for is set out in the Certificate

10 All Plans* except Plan C, E & Basic Non-Residents The cover under Section 1A Cancellation Fees and Lost Deposits, Section 1B Travel Services Provider Insolvency and Section 1C Wholesaler Insolvency begins from the time the policy is issued. Cover for all other Sections begins on the date of departure as stated on your Certificate of Insurance. Cover ends when you return to your Home, or when we return you to Australia, or on the date of return set out on your Certificate of Insurance, whichever happens first. * for Residents of Australia already Overseas who have purchased a policy after leaving Australia (available under Plans A or Basic International): cover begins from the time the policy issued (a waiting period of 48 hours from the Issue Date as stated on your Certificate of Insurance applies to all claims arising from, related to or associated with any Injury or Sickness, regardless of the Section that applies to the claim (refer to 'For Residents of Australia already Overseas' pages 13 & 14 for details). cover ends when you return to your Home or the place you intend to reside in Australia, or on the date of return set out on your Certificate of Insurance, whichever happens first. Refer to page 14 for the amended definition of "Journey" for these policies. Under Plan D (Frequent Traveller) & Basic Frequent Traveller, the maximum period for any one Journey is 37 days for leisure travel or 90 days for business travel. A Journey can be made up of business and/or leisure travel (with the leisure component being up to 37 days), however, the whole Journey cannot exceed a total of 90 days. Plan C Cover for all Sections begins on the date of departure as stated on your Certificate of Insurance. Cover ends when you return to your Home, or when we return you to Australia, or on the date of return set out on your Certificate of Insurance, whichever happens. Plan E & Basic Non-Residents The cover under Section 1A Cancellation Fees and Lost Deposits, begins from the time the policy is issued. Cover for all other Sections begins on the date of departure as stated on your Certificate of Insurance. Cover ends when you return to your Home, or when we return you to your Country of Residence, or on the date of return set out on your Certificate of Insurance, whichever happens first. COOLING-OFF PERIOD If you decide that you do not want this policy, you may cancel it within 14 days after you are issued your Certificate of Insurance and PDS, provided you have not started your Journey and you do not want to make a claim or to exercise any other right under the policy. You will be given a full refund of the premium you paid when exercising your cooling-off right. After this period you can still cancel your policy, but we will not refund any part of your premium if you do. If this insurance has been submitted to fulfil any visa requirements we hold the right to notify any visa authority that this policy has been cancelled under the Cooling-off Period. EXTENSION OF COVER You may extend your cover free of charge if you find that your return to Australia has been delayed because of one or more of the following: a bus line, airline, shipping line or rail authority you are travelling on, or that has accepted your fare or Luggage and Personal Effects, is delayed; or the delay is due to a reason for which you can claim under your policy (subject to our written approval). If the delay is for any other reason other than as stated above, we must receive your request to extend your cover at least 7 days before your original policy expires if you send your request by post. All other requests to extend your cover must be received prior to your original policy expiry date. Cover will be extended subject to our written approval, and your payment of the additional premium. Where we have agreed to extend cover, we will issue you with a new Certificate of Insurance. The period of cover on your new Certificate cannot exceed 12 months. Cover cannot be extended: for any Pre-existing Medical Condition, unless it is listed under the heading Pre-existing Medical Conditions which may be covered with no additional premium payable on pages 11 & 12, and you have not been hospitalised (including day surgery or emergency department attendance) for that condition in the 18 months prior to application for the extension. This applies even if cover for your Pre-existing Medical Condition was provided under the original policy; or for any medical conditions you suffered during the term of your original policy; or where you have not advised us of any circumstances that have given (or may give) rise to a claim under your original policy; or where at the time of application for the extension you are aged 75 years or over under Plans A, B, C, Basic International & Basic Australia Only; or aged 81 years or over under Plans E & Basic Non-Residents; or under Plan D, F, Basic Frequent Traveller & Basic Non-Medical Cover. CONFIRMATION OF COVER To confirm any policy transaction, (if the Certificate of Insurance does not have all the information you require), call CHI Travel Insurance on (02) or EXCESS Plans A, D, Basic International & Basic Frequent Traveller We will not pay the first $150 for any one event under Sections* 1A, 1B, 1C, 3, 9, 10, 11, 15 & 16. A NIL Excess applies to all other Sections. * Refer to the "Traditional Table of Benefits" on pages 27 to 30 and "Basic Table of Benefits" on pages 33 to 35 for details of which Sections are available under each plan. You can remove the standard $150 Excess by paying an additional premium (see Additional Options page 8). Plans B & Basic Australia Only We will not pay the first $150 for any one event under Sections* 1A, 1B, 1C, 11, 15 & 16. A NIL Excess applies to all other Sections. * Refer to the "Traditional Table of Benefits" on pages 27 to 30 and "Basic Table of Benefits" on pages 33 to 35 for details of which Sections are available under each plan. You can remove the standard $150 Excess by paying an additional premium (see Additional Options page 8). Plan C We will not pay the first $150 for any one event under Sections 3 & 15. A NIL Excess applies to Section

11 You can remove the standard $150 Excess by paying an additional premium (see Additional Options page 8). Plan E & Basic Non-Residents We will not pay the first $150 for any one event under Sections* 1A, 3, 9, 11, 15 & 16. A NIL Excess applies to all other Sections. * Refer to the "Traditional Table of Benefits" on pages 27 to 30 and "Basic Table of Benefits" on pages 33 to 35 for details of which Sections are available under each plan. You can remove the standard $150 Excess by paying an additional premium (see Additional Options page 8). Plan F & Basic Non-Medical Cover We will not pay the first $150 for any one event under Sections* 1A, 1B, 1C, 9, 10, 11, 15 & 16. A NIL Excess applies to all other Sections. * Refer to the "Traditional Table of Benefits" on pages 27 to 30 and "Basic Table of Benefits" on pages 33 to 35 for details of which Sections are available under each plan. You can remove the standard $150 Excess by paying an additional premium (see Additional Options page 8). Please Note: If any additional Excess applies to your policy, the amount is shown on the Certificate of Insurance, Medical Terms of Cover Letter or advised to you in writing before the Certificate is issued to you. JURISDICTION AND CHOICE OF LAW This contract of insurance is governed by and construed in accordance with the law of Queensland, Australia and you agree to submit to the exclusive jurisdiction of the courts of Queensland. You agree that it is your intention that this Jurisdiction and Choice of Law clause applies. YOUR DUTY OF DISCLOSURE Before you enter into this insurance with us, you have a duty of disclosure under the Insurance Contracts Act The Act imposes a different duty the first time you enter into a contract of insurance with us to that which applies when you vary, extend, reinstate or replace the contract. This duty of disclosure applies until the contract is entered into (or varied, extended or reinstated as applicable). Your duty of disclosure when you enter into the contract with us for the first time When answering our specific questions that are relevant to our decision whether to accept the risk of the insurance and, if so, on what terms, you must be honest and disclose to us anything that you know and that a reasonable person in the circumstances would include in answer to the questions. It is important that you understand that you are answering our questions in this way for yourself and anyone else that you want to be covered by the contract. Your duty of disclosure when you vary, extend, reinstate or replace the contract When you vary, extend, reinstate or replace the contract with us, your duty is to disclose every matter that you know, or could reasonably be expected to know, is relevant to our decision whether to accept the risk of the insurance and, if so, on what terms. What you do not need to tell us Your duty however, does not require disclosure of any matter: that diminishes the risk to be undertaken by us; or that is of common knowledge; or that we know or, in the ordinary course of business as an insurer, ought to know; or as to which compliance with your duty is waived by us. Non-disclosure If you fail to comply with your duty of disclosure, we may be entitled to reduce our liability under the contract in respect of a claim, cancel the contract or both. If your non-disclosure is fraudulent, we may also have the option of avoiding the contract from its beginning. FINANCIAL CLAIMS SCHEME In the unlikely event Allianz Australia Insurance Limited were to become insolvent and could not meet its obligations under the policy, a person entitled to claim may be entitled to payment under the Financial Claims Scheme. Access to the scheme is subject to eligibility criteria - for more information see the APRA website at: or call the APRA hotline on GENERAL INSURANCE CODE OF PRACTICE We proudly support the General Insurance Code of Practice. The Code sets out the minimum standards of practice in the general insurance industry. For more information on the Code please contact Allianz Global Assistance on DISPUTE RESOLUTION PROCESS In this section, we, our and us means Allianz and Allianz Global Assistance. If you have a complaint or dispute in relation to this insurance, or our services or our representatives, please call us on , or put the complaint in writing and send it to The Dispute Resolution Department, PO Box 162, Toowong, Queensland We will attempt to resolve the matter in accordance with our Internal Dispute Resolution process. To obtain a copy of our procedures, please contact us. A dispute can be referred to the Financial Ombudsman Service Limited (FOS), subject to its terms of reference. The FOS provides a free and independent dispute resolution service for consumers who have general insurance disputes falling with its terms. The contact details for the FOS are: Financial Ombudsman Service Limited (FOS) GPO Box 3, Melbourne Victoria 3001 Phone: Fax: (03) Website: PRIVACY NOTICE To arrange and manage your travel insurance, we (in this Privacy Notice we, our and us includes AGA Assistance Australia Pty Ltd trading as Allianz Global Assistance and its duly authorised representatives) collect personal information including sensitive information from you and those authorised by you such as your family members, Travelling Companions, your doctors, Hospitals, as well as from others we consider necessary including our agents. Any personal information provided to us is used by us to evaluate and arrange your travel insurance. We also use it to administer and provide the insurance services and manage your and our rights and obligations in relation to those insurance services, including managing, processing and investigating claims. We may also collect, use and disclose it for product development, marketing, conducting customer research and analytics in relation to all of our products 18 19

12 When calling be prepared to tell us: You can also details or questions to IMPORTANT: Never leave luggage unsupervised in a public place such as shops, airports, etc. Motor vehicles are targets for theft and are not normally a safe place to store or leave luggage. MON0007 CHI Emergency Card.indd 1 25/02/10 6:08 PM and services, IT systems maintenance and development, recovery against third parties and for other purposes with your consent or where authorised by law. This personal information may be disclosed to third parties involved in the above process, such as travel agents and consultants, travel insurance providers and intermediaries, authorised representatives, reinsurers, claims handlers and investigators, cost containment providers, medical and health service providers, overseas data storage and data handling providers, legal and other professional advisers, your agents and our related and group companies including Allianz. Some of these third parties may be located in other countries such as Thailand, France and India. You agree that while those parties will often be subject to confidentiality or privacy obligations, they may not always follow the particular requirements of Australian privacy laws. When you provide personal information about other individuals, we and our agents rely on you to have made or make them aware: that you will or may provide their personal information to us; of the types of third parties to whom the personal information may be provided to; of the relevant purposes we and the third parties we will disclose it to, will use it for; of how they can access it; and of the other matters in this Privacy Notice. We rely on you to have obtained their consent on these matters. If you do not, you must tell us before you provide the relevant information. You can seek access to and correct your personal information by contacting us. You may not access or correct personal information of others unless you have been authorised by their express consent or otherwise under law, or unless they are your dependants under 16 years of age. If you have a complaint about your privacy, please contact: Privacy Officer, Allianz Global Assistance, PO Box 162, Toowong, QLD 4066 or you can contact the Privacy Commissioner at the Office of The Australian Information Commissioner, GPO Box 2999, Canberra, ACT For more information about our handling of personal information, including further details about access, correction and complaints, please see our privacy policy available on request or via If you do not agree to the above or will not provide us with personal information, we may not be able to provide you with our services or products or may not be able to process your application nor issue you with a policy. In cases where we do not agree to give you access to some personal information, we will give you reasons why. OVERSEAS HOSPITALISATION OR MEDICAL EVACUATION For emergency assistance anywhere in the world at any time, Allianz Global Assistance is only a telephone call away. The team will help with: medical problems, locating nearest medical facilities, access to a Medical Adviser for emergency medical treatment while Overseas, provision of any written guarantees for payment of Reasonable expenses for emergency hospitalisation while Overseas, your evacuation Home; locating nearest embassies and consulates, and any messages which need to be passed on to your family or employer in the case of an emergency. If you are hospitalised you, or a member of your travelling party, MUST contact Allianz Global Assistance as soon as possible. If you do not, then to the extent permissible by law, we will not pay for these Hospital expenses or for any evacuation or airfares that have not been approved or arranged by Allianz Global Assistance. If you are not hospitalised but you are being treated as an outpatient and the total cost of such treatment will exceed $2,000 you MUST contact Allianz Global Assistance. Please note that we will not pay for any Hospital or medical costs incurred in your Country of Residence. YOU CAN CHOOSE YOUR OWN DOCTOR You are free to choose your own Medical Adviser or Allianz Global Assistance can appoint an approved Medical Adviser to see you, unless you are treated under a Reciprocal Health Agreement. You must, however, advise Allianz Global Assistance of your admittance to Hospital or your early return to Australia based on written medical advice. If you do not get the medical treatment you expect, Allianz Global Assistance can assist you but neither Allianz nor Allianz Global Assistance are liable for anything that results from that. IN THE EVENT OF A CLAIM Immediate Notice of an event giving rise to a claim should be given to Allianz Global Assistance. 24 Hour Emergency Assistance call: (within Australia) (reverse charge from Overseas) PO Box 162 Toowong Qld 4066 Names & dates of any Doctors/Hospital visits Your home doctor s details Travel itinerary details CHI TRAVEL INSURANCE PTY LTD Emergency Assistance Card Please Note: For claims purposes, evidence of the value of the property insured or the amount of any loss must be kept. CLAIMS PROCESSING Allianz Global Assistance will process your claim within 10 business days of receiving a completed claim form and all necessary documentation. If they need additional information, a written notification will be sent to you within 10 business days. SAFEGUARDING YOUR LUGGAGE AND PERSONAL EFFECTS You must take all reasonable precautions to safeguard your Luggage and Personal Effects. If you leave your Luggage and Personal Effects Unsupervised in a Public Place we will not pay your claim (for an explanation of what we mean by Luggage and Personal Effects, Unsupervised and Public Place see pages 23 & 24). Your name Your policy number Nature of your problem Phone number where you are 20 21

13 Words with Special Meanings Some words and phrases used in this PDS have a special meaning. When these words and phrases are used, they have the meaning set out below. AICD/ICD means an implantable cardioverter-defibrillator (ICD), also known as an automated implantable cardioverter-defibrillator (AICD). arise, arises or arising means directly or indirectly arising or in any way connected with. Carrier means an aircraft, vehicle, train, tram, vessel or other public transport operated under a licence for the purpose of transporting passengers. This definition excludes taxis. Concealed Storage Compartment means a boot, trunk, glove box, enclosed centre console, or concealed cargo area of a sedan, station wagon, hatchback, van or motorhome. Country of Residence means the country of which you are a permanent resident. If you currently reside in Australia and are eligible for an Australian Medicare Card then, for the purposes of this policy, your Country of Residence is deemed to be Australia. Dependant means your children/grandchildren not in full time employment who are under the age of 21 and travelling with you on the Journey. DSM means The Diagnostic and Statistical Manual of Mental Disorders. It is an American handbook for mental health professionals that lists different categories of mental disorders and the criteria for diagnosing them. Duo means you and your Travelling Companion as named on the Certificate of Insurance. Duo cover does not provide cover for any Dependants. Epidemic means a sudden development and rapid spreading of a contagious disease in a region where it developed in a simply endemic state or within a previously unscathed community. Excess means the amount which you must first pay for each claim arising from the one event before a claim can be made under your policy. Family means you, your spouse (or legally recognised de facto) and your Dependants (where Plan B Frequent Traveller or Basic Frequent Traveller has been purchased, "Family" can also mean: you and your spouse (or legally recognised de facto). Home means the place where you normally live in Australia. Hospital means an established hospital registered under any legislation that applies to it, that provides in-patient medical care. "Individual" means covering you, the person whose name is set out on the Certificate of Insurance. Individual cover does not provide cover for any other person. Injure, Injured or Injury means bodily injury caused solely and directly by violent, accidental, visible and external means, which happens at a definite time and place during your period of cover and does not result from any illness, Sickness or disease. Insolvency or Insolvent means bankruptcy, provisional liquidation, liquidation, appointment of a receiver, manager or administrator, entry into any official or unofficial scheme of arrangement, statutory protection, restructuring or composition with creditors, or the happening of anything of a similar nature under the laws of any jurisdiction. Journey means your journey from the time when you leave your Home to go directly to the place you depart from on your travels, and ends when you return to your Home. Refer to page 14 for the definition of Journey for policies purchased after leaving Australia. Luggage and Personal Effects means any personal items owned by you and that you take with you, or buy, on your Journey and which are designed to be worn or carried about with you. This includes items of clothing, personal jewellery, photographic and video equipment or personal computers, or electrical devices or portable equipment. However, it does not mean any business samples or items that you intend to trade. Medical Adviser means a qualified doctor of medicine or dentist registered in the place where you received the services. Mental illness means any illness, condition or disorder listed in the current edition of the Diagnostic and Statistical Manual of Mental Disorders. Moped or Scooter means any two-wheeled or three-wheeled motor vehicle with an engine displacement of not greater than 50cc. Motorcycle means any two-wheeled or three-wheeled motor vehicle with an engine displacement greater than 50cc. "Non-Resident" means someone who does not reside in Australia, is travelling to, within and from Australia, and who is not entitled to receive Australian Medicare Benefits. Off-piste means any skiing that is not on groomed terrain or marked slopes that are within the designated ski resort boundaries. Open Water Sailing means sailing more than 10 nautical miles off any land mass. Overseas means in any country other than Australia. Pandemic means a form of an Epidemic that extends throughout an entire continent, even the entire human race. "Pre-existing Medical Condition" means a medical condition which you were aware of: 1. prior to the time of the policy being issued that involves: a) your heart, brain or circulatory system/blood vessels, or b) your lungs or a chronic airways disease, or c) cancer, or d) back pain requiring prescribed pain relief medication, or e) surgery involving any joints, the back, spine, brain or abdomen requiring at least an overnight stay in Hospital, or f) Diabetes Mellitus (Type 1 or Type 2); OR 2. in the 2 years prior to the time of the policy being issued: a) for which you have been in Hospital or emergency department or day surgery, or b) for which you have been prescribed a new medication or had a change to your medication regime, or c) requiring prescription pain relief medication; For the purposes of this clause medical condition includes a dental condition; OR 3. prior to the time of the policy being issued that is: a) pregnancy, or b) connected with your current pregnancy or participation in an IVF program; OR 4. for which, prior to the time of the policy being issued: a) you have not yet sought a medical opinion regarding the cause; or b) you are currently under investigation to define a diagnosis; or c) you are awaiting specialist opinion. The above definition applies to you, your Travelling Companion, a Relative or any other person

14 "Professional Sport" means any sporting event where any participant receives, or is eligible to receive, an appearance fee, wage, salary or prize money in excess of $1,000. Participation includes training for, coaching or otherwise competing in that sporting event. Public Place means any place that the public has access to, including but not limited to planes, trains, trams, cruise ships, taxis, buses, air or bus terminals, stations, wharves, streets, museums, galleries, hotels, hotel foyers and grounds, beaches, restaurants, private carparks, public toilets and general access areas. Reasonable means, for medical or dental expenses, the standard level of care given in the country you are in or, for other expenses, the standard level you have booked for the rest of your Journey or, as determined by us. Relative means any of the following who is resident in Australia or New Zealand. It means your or your Travelling Companion's spouse, de facto partner, parent, parent-in-law, daughter, son, daughter-in-law, son-in-law, brother, sister, brother-in-law, sister-in-law, grandchild, grandparent, stepparent, step-son, step-daughter, fiancé or fiancée, or guardian. Rental Vehicle means a campervan/motorhome that does not exceed 4.5 tonnes, a sedan, hatchback or station-wagon, four wheel drive or mini bus/people mover rented from a licensed motor vehicle rental company. Resident of Australia means someone who currently resides in Australia and is eligible for an Australian Medicare Card. Sick or Sickness means a medical condition, not being an Injury, which first occurs during your period of cover. Single means you and your Dependants travelling with you. Travel Services Provider means any scheduled service airline, hotel and resort operator, accommodation provider, motor vehicle rental or hire agency, bus line, shipping line or railway company. Travelling Companion means a person with whom you have made arrangements to travel with you for at least 75% of your Journey before your policy was issued. Unsupervised means leaving your Luggage and Personal Effects: with a person who is not named on your Certificate of Insurance or who is not a Travelling Companion or who is not a Relative; with a person who is named on your Certificate of Insurance or who is a Travelling Companion or who is a Relative but who fails to keep your Luggage and Personal Effects under close supervision; or where they can be taken without your knowledge; or at such a distance from you that you are unable to prevent them being taken. Unsupervised includes forgetting or misplacing items of your Luggage and Personal Effects, leaving them behind or walking away from them. we, our and us means Allianz Australia Insurance Limited. Wholesaler means an entity named as a Wholesaler on pages 58 to 62. you and your means the person(s) whose name(s) are set out on your Certificate of Insurance, and if you have Single or Family cover, your Dependants. How to purchase a Traditional Policy STEP 1 Refer to Who can purchase this Policy? pages 13 to 15 STEP 2 Refer to Age Limits page 15 STEP 3 Read the section entitled Pre-existing Medical Conditions pages 9 to 12 STEP 4 Select your Plan (A, B, C, D or E) pages 27 to 30 STEP 5 STEP 6 Select your cover type (Single, Duo or Family) Nominate the applicable geographical area for your Journey (Plan A only) page 36 see table below STEP 7 Nominate the duration of your Journey --- STEP 8 STEP 9 Select any additional options you would like to include Apply for cover via one of the following: complete the application form and return to your CHI Travel Insurance authorised representative online telephone Destinations USA, Hawaii, Canada, Africa, South America, Middle East page 8 see contact details on back cover of this PDS Geographical Areas Area 1 Europe & Japan Area 2 United Kingdom, Ireland & Asia (excluding Japan) Area 3 South-West Pacific, Papua New Guinea & Indonesia (including Pacific cruising) New Zealand, Indonesia & Fiji (excluding cruising to these destinations) Area 4 Area 5 Plan A (Comprehensive) You must nominate the applicable geographical area for your Journey. All areas include cover for certain Sections while travelling in Australia see below for details. Please contact us if there is any uncertainty as to which geographical area applies. If you are travelling to multiple destinations which are in different geographical areas, you must select the highest geographical area (Area 1 being the highest geographical area, Area 5 the lowest), as this will cover travel in each of the lower geographical areas. Example: If you are travelling to Indonesia, Philippines and Europe, you must select Area 2. You will then be covered for all destinations in Areas 2, 3, 4 & 5. Cover for any loss you suffer must occur in the geographical area (or any lower geographical area) you have selected. However, stopovers of up to 3 nights per policy in a higher geographical area outside of your selected geographical area are permitted. Example: If you have chosen Plan A and are travelling to Asia (and have accordingly selected Area 3), you will be covered for all destinations listed in Areas 3, 4 & 5, as well as up to 3 nights stopover in any destinations in Areas 1 & 2. You will only have cover under Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16 while travelling in Australia (destination must be a minimum of 250km from Home). Plan C You will only have cover under Section 15 while travelling in Australia (destination must be a minimum of 250km from Home). Plan D You will only have cover under Sections 1A, 1B, 1C, 4 & 6 to 16 while travelling in Australia (destination must be a minimum of 100km from Home). Plan F You will only have cover under Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16 while travelling in Australia (destination must be a minimum of 250km from Home). TRAVEL ON CRUISE LINERS Travellers on domestic cruises in Australian waters may purchase Plan A (selecting Geographical Area 4) to ensure cover is available for emergency medical assistance and emergency medical and Hospital expenses. If you do not purchase Plan A, you will not have cover for medical transfer or evacuation (for example, by helicopter) if you need to be transported to the nearest Hospital for emergency medical treatment. TRAVELLERS 61 YEARS AND OVER The following additional premiums apply to travellers aged 61 years and over where applicable (note: an additional surcharge for Pre-existing Medical Conditions may also apply). Travellers aged years: +35% of premium Travellers aged years: +90% of premium Travellers aged years*: +180% of premium Travellers aged years**: +390% of premium Travellers aged years**: +440% of premium Travellers aged 90 years and over**: +490% of premium * Only available for Plans A, B, E & F. ** Only available for Plans A, B & F. BONUS DAYS CHI Travel Insurance Plans (excluding Plan D) offer bonus days to assist with premium calculations as follows: PERIOD OF COVER EXTRA FREE DAYS 3 days to 19 days 1 day 23 days to 52 days 3 days 2 months to 4 months 5 days 5 months to 11 months 7 days EXAMPLE OF BONUS DAY CALCULATION Cover Required: Plan A Comprehensive/Single/Area 1 Travel Dates: 1/12/14-17/12/14 (17 days cover required) Premium: $277 (16 day period of cover plus 1 free day refer Bonus Days Table above). Please Note: Day of travel and day of return are counted as days. Return date shown on your Certificate of Insurance is expiry date - bonus days do not extend beyond the expiry date shown on your Certificate. Traditional Table of Benefits Amount Payable (includes premium, stamp duty and GST where applicable) All Benefits and premiums are in Australian dollars. If you are travelling in the course of your business, please see page 57 for information on how GST may affect your claims Plan A Comprehensive Plan B Australia Only Plan C Medical & Liability Plan D Frequent Traveller Plan E Non-Residents Section Benefit Type Single Duo (per person) Family Single Duo (per person) Family Single Duo (per person) Family Single Family Single Duo (per person) Family *1A. Cancellation Fees and Lost Deposits unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited 1B. Travel Services Provider Insolvency $10,000 $10,000 $20,000 $10,000 $10,000 $20,000 $10,000 $20,000 1C Wholesaler Insolvency $5,000 $5,000 $10,000 $5,000 $5,000 $10,000 $5,000 $10,000 *2. Overseas Emergency Medical Assistance/Evacuation unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited 3. Overseas Emergency Medical and Hospital Expenses unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited *4. Additional Expenses $50,000 $50,000 $100,000 $50,000 $50,000 $100,000 $50,000 $100,000 $50,000 $50,000 $100,000 *5. Hospital Cash Allowance $5,000 $5,000 $10,000 $5,000 $10,000 $5,000 $5,000 $10,000 *6. Accidental Death $25,000 $25,000 $50,000 $25,000 $25,000 $50,000 $25,000 $50,000 $25,000 $25,000 $50,000 *7. Permanent Disability $25,000 $25,000 $50,000 $25,000 $50,000 $25,000 $25,000 $50,000 *8. Loss of Income $10,400 $10,400 $20,800 $10,400 $20, Travel Documents, Credit Cards & Travellers Cheques $5,000 $5,000 $10,000 $5,000 $10,000 $5,000 $5,000 $10, Theft of Cash $250 $250 $250 $250 $250 *11. Luggage and Personal Effects $8,000 $8,000 $16,000 $8,000 $8,000 $16,000 $8,000 $16,000 $8,000 $8,000 $16,000 *12. Luggage and Personal Effects Delay Expenses $500 $500 $1,000 $250 $500 $250 $250 $500 *13. Travel Delay Expenses $2,000 $2,000 $4,000 $2,000 $2,000 $4,000 $2,000 $4,000 $2,000 $2,000 $4, Alternative Transport Expenses $5,000 $5,000 $10,000 $5,000 $10,000 $5,000 $5,000 $10, Personal Liability $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million $5 million *16. Rental Vehicle Excess/Return of Rental Vehicle $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 $3,000 * sub-limits apply. Plan A Comprehensive Area 1 Area 2 Area 3 Area 4 Area 5 Duration Single Duo Family Single Duo Family Single Duo Family Single Duo Family Single Duo Family 3 days $120 $228 $240 $85 $162 $170 $80 $152 $160 $62 $118 $124 $56 $106 $112 5 days $165 $314 $330 $120 $228 $240 $117 $222 $234 $87 $165 $174 $81 $154 $162 8 days $179 $340 $358 $146 $277 $292 $139 $264 $278 $101 $192 $202 $94 $179 $ days $226 $429 $452 $174 $331 $348 $154 $293 $308 $121 $230 $242 $113 $215 $ days $254 $483 $508 $189 $359 $378 $166 $315 $332 $127 $241 $254 $120 $228 $ days $284 $540 $568 $208 $395 $416 $180 $342 $360 $144 $274 $288 $135 $257 $ days $310 $589 $620 $234 $445 $468 $207 $393 $414 $163 $310 $326 $152 $289 $ days $340 $646 $680 $255 $485 $510 $224 $426 $448 $180 $342 $360 $168 $319 $ days $391 $743 $782 $288 $547 $576 $277 $526 $554 $210 $399 $420 $196 $372 $ days $422 $802 $844 $302 $574 $604 $292 $555 $584 $220 $418 $440 $206 $391 $ days $504 $958 $1,008 $335 $637 $670 $318 $604 $636 $244 $464 $488 $228 $433 $ days $585 $1,112 $1,170 $430 $817 $860 $390 $741 $780 $309 $587 $618 $289 $549 $ days $615 $1,169 $1,230 $465 $884 $930 $411 $781 $822 $323 $614 $646 $301 $572 $602 2 months $671 $1,275 $1,342 $495 $941 $990 $474 $901 $948 $338 $642 $676 $315 $599 $630 3 months $888 $1,687 $1,776 $671 $1,275 $1,342 $635 $1,207 $1,270 $463 $880 $926 $430 $817 $860 4 months $1,067 $2,027 $2,134 $753 $1,431 $1,506 $747 $1,419 $1,494 $543 $1,032 $1,086 $506 $961 $1,012 5 months $1,225 $2,328 $2,450 $865 $1,644 $1,730 $857 $1,628 $1,714 $624 $1,186 $1,248 $580 $1,102 $1,160 6 months $1,395 $2,651 $2,790 $992 $1,885 $1,984 $984 $1,870 $1,968 $690 $1,311 $1,380 $643 $1,222 $1,286 7 months $1,567 $2,977 $3,134 $1,103 $2,096 $2,206 $1,098 $2,086 $2,196 $814 $1,547 $1,628 $760 $1,444 $1,520 8 months $1,720 $3,268 $3,440 $1,209 $2,297 $2,418 $1,204 $2,288 $2,408 $893 $1,697 $1,786 $833 $1,583 $1,666 9 months $1,909 $3,627 $3,818 $1,341 $2,548 $2,682 $1,336 $2,538 $2,672 $973 $1,849 $1,946 $907 $1,723 $1, months $2,079 $3,950 $4,158 $1,424 $2,706 $2,848 $1,419 $2,696 $2,838 $1,069 $2,031 $2,138 $996 $1,892 $1, months $2,247 $4,269 $4,494 $1,550 $2,945 $3,100 $1,545 $2,936 $3,090 $1,203 $2,286 $2,406 $1,121 $2,130 $2, months $2,349 $4,463 $4,698 $1,668 $3,169 $3,336 $1,662 $3,158 $3,324 $1,294 $2,459 $2,588 $1,204 $2,288 $2,408 Plan B Australia Only Duration Single Duo Family 3 days $61 $116 $122 5 days $83 $158 $166 8 days $87 $165 $ days $93 $177 $ days $112 $213 $ days $126 $239 $ days $149 $283 $ days $172 $327 $ days $176 $334 $352 2 months $225 $428 $450 3 months $247 $469 $494 Plan C Medical & Liability Duration Single Duo Family 1 month $183 $348 $366 2 months $237 $450 $474 3 months $295 $561 $590 4 months $354 $673 $708 5 months $398 $756 $796 6 months $457 $868 $914 9 months $663 $1,260 $1, months $885 $1,682 $1,770 Plan D Frequent Traveller Annual Premium $ (Single) or $ (Family) Worldwide or Domestic Journeys Maximum period any one Journey is 37 days for leisure travel or 90 days for business travel. A Journey can be made up of business and/or leisure travel (with the leisure component being up to 37 days), however, the whole Journey cannot exceed a total of 90 days. Cover re-instated on the completion of each Journey (except for Section 15 Personal Liability - the amount shown in the Traditional Table of Benefits is the most we will pay for all claims combined under Section 15 for the 12 month policy period). Single or Family* cover "Family" cover includes you and: your spouse (or de facto partner); or your spouse (or de facto partner) and Dependants * see page 14 for details Not available for travellers aged 75 years and over Plan E Non-Resident Cover (see pages 14 & 15 for who is eligible) Duration Single Duo Family 5 days $150 $285 $300 8 days $165 $314 $ days $180 $342 $ days $212 $403 $ days $281 $534 $ days $310 $589 $ days $368 $699 $ days $429 $815 $ days $469 $891 $ days $502 $954 $1,004 2 months $533 $1,013 $1,066 3 months $682 $1,296 $1,364 4 months $831 $1,579 $1,662 5 months $936 $1,778 $1,872 6 months $1,058 $2,010 $2,116 7 months $1,213 $2,305 $2,426 8 months $1,345 $2,556 $2,690 9 months $1,485 $2,822 $2, months $1,642 $3,120 $3, months $1,782 $3,386 $3, months $1,858 $3,530 $3,716

15 How to purchase a Basic Policy STEP 1 Refer to Who can purchase this Policy? pages 13 to 15 STEP 2 Refer to Age Limits page 15 STEP 3 STEP 4 STEP 5 STEP 6 Read the section entitled Pre-existing Medical Conditions Select your Plan (Basic International, Basic Australia Only, Basic Frequent Traveller or Basic Non-Residents) Select your cover type (Single, Duo or Family) Nominate the applicable geographical area for your Journey (Basic International only) pages 9 to 12 pages 33 to 35 page 36 see table below STEP 7 Nominate the duration of your Journey --- STEP 8 STEP 9 Select any additional options you would like to include Apply for cover via one of the following: complete the application form and return to your CHI Travel Insurance authorised representative online telephone Destinations USA, Hawaii, Canada, Africa, South America, Middle East page 8 see contact details on back cover of this PDS Geographical Areas Area 1 Europe & Japan Area 2 United Kingdom, Ireland & Asia (excluding Japan) Area 3 South-West Pacific, Papua New Guinea & Indonesia (including Pacific cruising) New Zealand, Indonesia & Fiji (excluding cruising to these destinations) Area 4 Area 5 Basic International You must nominate the applicable geographical area for your Journey. All areas include cover for certain Sections while travelling in Australia see below for details. Please contact us if there is any uncertainty as to which geographical area applies. If you are travelling to multiple destinations which are in different geographical areas, you must select the highest geographical area (Area 1 being the highest geographical area, Area 5 the lowest), as this will cover travel in each of the lower geographical areas. Basic Table of Benefits Amount Payable (includes premium, stamp duty and GST where applicable) All Benefits and premiums are in Australian dollars. If you are travelling in the course of your business, please see page 57 for information on how GST may affect your claims. Basic International Basic Australia Only Basic Frequent Traveller Basic Non-Residents Section Benefit Type Single Duo (per person) Family Single Duo (per person) Family Single Family Single Duo (per person) Family *1A. Cancellation Fees and Lost Deposits $3,000 $3,000 $6,000 $3,000 $3,000 $6,000 $3,000 $6,000 $3,000 $3,000 $6,000 1B Travel Services Provider Insolvency $3,000 $3,000 $6,000 $3,000 $3,000 $6,000 $3,000 $6,000 1C Wholesaler Insolvency $500 $500 $1,000 $500 $500 $1,000 $500 $1,000 *2. Overseas Emergency Medical Assistance/Evacuation unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited 3. Overseas Emergency Medical and Hospital Expenses unlimited unlimited unlimited unlimited unlimited unlimited unlimited unlimited *4. Additional Expenses $5,000 $5,000 $10,000 $5,000 $5,000 $10,000 $5,000 $10,000 $5,000 $5,000 $10,000 *5. Hospital Cash Allowance $3,000 $3,000 $6,000 $3,000 $6,000 $3,000 $3,000 $6,000 *6. Accidental Death $10,000 $10,000 $20,000 $10,000 $10,000 $20,000 $10,000 $20,000 $10,000 $10,000 $20,000 *7. Permanent Disability $10,000 $10,000 $20,000 $10,000 $20,000 $10,000 $10,000 $20,000 *8. Loss of Income $5,200 $5,200 $10,400 $5,200 $10, Travel Documents, Credit Cards & Travellers Cheques $500 $500 $1,000 $500 $1,000 $500 $500 $1, Theft of Cash $250 $250 $250 $250 $250 *11. Luggage and Personal Effects $3,000 $3,000 $6,000 $1,500 $1,500 $3,000 $3,000 $6,000 $1,500 $1,500 $3,000 *12. Luggage and Personal Effects Delay Expenses $250 $250 $500 $250 $500 $250 $250 $500 *13. Travel Delay Expenses $1,000 $1,000 $2,000 $1,000 $1,000 $2,000 $1,000 $2,000 $1,000 $1,000 $2, Alternative Transport Expenses $2,000 $2,000 $4,000 $2,000 $4,000 $2,000 $2,000 $4, Personal Liability $1 million $1 million $1 million $1 million $1 million $1 million $1 million $1 million $1 million $1 million $1 million *16. Rental Vehicle Excess/Return of Rental Vehicle $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 $2,000 * sub-limits apply. Basic International Area 1 Area 2 Area 3 Area 4 Area 5 Duration Single Duo Family Single Duo Family Single Duo Family Single Duo Family Single Duo Family 3 days $84 $160 $168 $59 $112 $118 $56 $106 $112 $44 $84 $88 $39 $74 $78 5 days $116 $220 $232 $84 $160 $168 $82 $156 $164 $60 $114 $120 $57 $108 $114 8 days $126 $239 $252 $102 $194 $204 $97 $184 $194 $71 $135 $142 $67 $127 $ days $159 $302 $318 $122 $232 $244 $108 $205 $216 $85 $162 $170 $79 $150 $ days $178 $338 $356 $133 $253 $266 $117 $222 $234 $89 $169 $178 $84 $160 $ days $199 $378 $398 $145 $276 $290 $126 $239 $252 $101 $192 $202 $94 $179 $ days $217 $412 $434 $164 $312 $328 $145 $276 $290 $114 $217 $228 $107 $203 $ days $238 $452 $476 $178 $338 $356 $157 $298 $314 $126 $239 $252 $118 $224 $ days $273 $519 $546 $202 $384 $404 $194 $369 $388 $146 $277 $292 $137 $260 $ days $296 $562 $592 $211 $401 $422 $205 $390 $410 $155 $295 $310 $144 $274 $ days $352 $669 $704 $235 $447 $470 $222 $422 $444 $171 $325 $342 $160 $304 $ days $410 $779 $820 $301 $572 $602 $272 $517 $544 $217 $412 $434 $202 $384 $ days $430 $817 $860 $326 $619 $652 $288 $547 $576 $226 $429 $452 $211 $401 $422 Basic Australia Only Duration Single Duo Family 3 days days days days days days days days days months months Basic Frequent Traveller Annual Premium $ (Single) or $ (Family) 2 months $469 $891 $938 $346 $657 $692 $332 $631 $664 $237 $450 $474 $220 $418 $440 Worldwide or Domestic Journeys Cover Required: Basic International/Single/Area 1 3 months $622 $1,182 $1,244 $469 $891 $938 $445 $846 $890 $325 $618 $650 $301 $572 $602 Maximum period any one Journey is 37 days for leisure travel 5 months $656 $1,246 $1,312 Travel Dates: 1/12/14-17/12/14 (17 days cover required) or 90 days for business travel. A Journey can be made up of 6 months $741 $1,408 $1,482 4 months $748 $1,421 $1,496 $528 $1,003 $1,056 $522 $992 $1,044 $380 $722 $760 $354 $673 $708 Premium: $194 (16 day period of cover plus 1 free day business and/or leisure travel (with the leisure component 7 months $849 $1,613 $1,698 refer Bonus Days Table above). 5 months $857 $1,628 $1,714 $605 $1,150 $1,210 $600 $1,140 $1,200 $436 $828 $872 $406 $771 $812 being up to 37 days), however, the whole Journey cannot e] a tour operator or wholesaler being unable to complete arrangements 6 months $976 $1,854 $1,952 $693 $1,317 $1,386 $689 $1,309 $1,378 $483 $918 $966 $451 $857 $902 exceed a total of 90 days. 8 months $941 $1,788 $1,882 for any tour because there were not enough people to go on the Please Note: Day of travel and day of return are counted as days. Cover re-instated on the completion of each Journey (except 9 months $1,040 $1,976 $2,080 tour. This exclusion does not apply in relation to prepaid travel Return date shown on your Certificate of Insurance is expiry date - bonus 7 months $1,097 $2,084 $2,194 $772 $1,467 $1,544 $768 $1,459 $1,536 $571 $1,085 $1,142 $532 $1,011 $1,064 for Section 15 Personal Liability - the amount shown in the Basic 10 months $1,149 $2,183 $2,298 arrangements bought separately to reach the departure point for the days do not extend beyond the expiry date shown on your Certificate. 8 months $1,204 $2,288 $2,408 $846 $1,607 $1,692 $842 $1,600 $1,684 $626 $1,189 $1,252 $583 $1,108 $1,166 Table of Benefits is the most we will pay for all claims combined tour or other travel arrangements. 9 months $1,337 $2,540 $2,674 $939 $1,784 $1,878 $935 $1,777 $1,870 $681 $1,294 $1,362 $635 $1,207 $1,270 under Section 15 for the 12 month policy period). 11 months $1,248 $2,371 $2,496 f] delays or rescheduling by a bus line, airline, shipping line or rail authority. Single or Family* cover 12 months $1,301 $2,472 $2, months $1,456 $2,766 $2,912 $997 $1,894 $1,994 $993 $1,887 $1,986 $749 $1,423 $1,498 $697 $1,324 $1,394 "Family" cover includes you and: g] fhe financial collapse or Insolvency of any travel agent, transport, tour 11 months $1,573 $2,989 $3,146 $1,085 $2,062 $2,170 $1,082 $2,056 $2,164 $842 $1,600 $1,684 $785 $1,492 $1,570 your spouse (or de facto partner); or or accommodation provider. your spouse (or de facto partner) and Dependants 12 months $1,644 $3,124 $3,288 $1,167 $2,217 $2,334 $1,164 $2,212 $2,328 $905 $1,720 $1,810 $843 $1,602 $1,686 * see page 14 for details h] the mechanical breakdown of any means of transport Not available for travellers aged 75 years and over Example: If you are travelling to Indonesia, Philippines and Europe, you must select Area 2. You will then be covered for all destinations in Areas 2, 3, 4 & 5. Cover for any loss you suffer must occur in the geographical area (or any lower geographical area) you have selected. However, stopovers of up to 3 nights per policy in a higher geographical area outside of your selected geographical area are permitted. Example: If you have chosen Basic International and are travelling to Asia (and have accordingly selected Area 3), you will be covered for all destinations listed in Areas 3, 4 & 5, as well as up to 3 nights stopover in any destinations in Areas 1 & 2. You will only have cover under Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16 while travelling in Australia (destination must be a minimum of 250km from Home). Basic Frequent Traveller You will only have cover under Sections 1A, 1B, 1C, 4 & 6 to 16 while travelling in Australia (destination must be a minimum of 100km from Home). Basic Non-Medical Cover You will only have cover under Sections 1A, 1B, 1C, 4, 6, 11, 13, 15 & 16 while travelling in Australia (destination must be a minimum of 250km from Home). TRAVEL ON CRUISE LINERS Travellers on domestic cruises in Australian waters may purchase Basic International (selecting geographical area 4) to ensure cover is available for emergency medical assistance and emergency medical and Hospital expenses. If you do not purchase Basic International, you will not have cover for medical transfer or evacuation (for example, by helicopter) if you need to be transported to the nearest Hospital for emergency medical treatment. TRAVELLERS 61 YEARS AND OVER The following additional premiums apply to travellers aged 61 years and over where applicable (note: an additional surcharge for Pre-existing Medical Conditions may also apply). Travellers aged years: +35% of premium Travellers aged years: +90% of premium Travellers aged years*: +180% of premium Travellers aged years**: +390% of premium Travellers aged years**: +440% of premium Travellers aged 90 years and over**: +490% of premium * Not available for Basic Frequent Traveller. ** Not available for Basic Frequent Traveller or Basic Non-Residents. BONUS DAYS CHI Travel Insurance Plans (excluding Basic Frequent Traveller) offer bonus days to assist with premium calculations as follows: PERIOD OF COVER EXTRA FREE DAYS 3 days to 19 days 1 day 23 days to 52 days 3 days 2 months to 4 months 5 days 5 months to 11 months 7 days EXAMPLE OF BONUS DAY CALCULATION Basic Non-Resident (see pages 14 & 15 for who is eligible) Duration Single Duo Family 5 days $104 $198 $208 8 days $115 $219 $ days $126 $239 $ days $149 $283 $ days $197 $374 $ days $217 $412 $ days $257 $488 $ days $300 $570 $ days $328 $623 $ days $351 $667 $702 2 months $373 $709 $746 3 months $477 $906 $954 4 months $581 $1,104 $1,162 Your Policy Cover YOUR CHOICES Under the policy, you choose the cover you require based on your travel arrangements. Whether you choose: Single, Duo, Family or Individual cover Plans A, B, C, D, E, F, Basic International, Basic Australia Only, Basic Frequent Traveller, Basic Non-Residents or Basic Non-Medical Cover depends on the type of cover you want and are eligible to purchase. COVER TYPE You can choose one of the following cover types: Single covers you and your Dependants travelling with you (this cover type is not available for Plan F (Non-Medical Cover) or Basic Non-Medical Cover). Duo covers you and your Travelling Companion listed as covered on your Certificate of Insurance and intending to travel with you on your Journey. Duo cover does not provide cover for Dependants. We issue one Certificate of Insurance, however, you both have cover as if you are each insured under separate policies with Single benefit limits per insured person (this cover type is not available for Plan D (Frequent Traveller), Plan F (Non-Medical Cover), Basic Frequent Traveller or Basic Non-Medical Cover). Family covers you and the members of your family travelling with you (see page 14 for further details for Plan D (Frequent Traveller) or Basic Frequent Traveller). The benefit limits for Family cover apply to the total of all claims combined, regardless of the number of persons the claims relate to (this cover type is not available for Plan F (Non-Medical Cover) or Basic Non-Medical Cover). Individual - covers you only, and does not provide cover for any other person. Individual cover does not provide cover for Dependants (this cover type is only available for Plan F (Non-Medical Cover) or Basic Non-Medical Cover). The remainder of this section outlines what We will pay and what We will not pay under each Section in the event of a claim. Section 1A CANCELLATION FEES AND LOST DEPOSITS Cover is available under all Plans except Plan C. (See page 37 for details of cover under Section 1A 1.1 e]) 1.1 WE WILL PAY a] We will pay your cancellation fees and lost deposits on travel and accommodation arrangements that you have paid in advance and cannot recover in any other way if your Journey is cancelled or shortened at any time through circumstances neither expected nor intended by you and outside your control. b] We will pay the reasonable costs of rescheduling your Journey because something unforeseen and outside of your control occurs. The most we will pay for rescheduling your Journey is the cost of the cancellation fees and lost deposits that would have been payable under 1.1 a], c] and d] had your Journey been cancelled. c] We will pay the travel agent's cancellation fees, up to the amounts set out below, where all monies have been paid, or the maximum amount of the deposit has been paid, at the time of cancellation. However, we will not pay more than the level of commission or service fees normally earned by the agent, had your Journey not been cancelled. Documentary evidence of the travel agent s lost commission or services fees is required. The maximum we will pay is as follows: $2,000 for Single cover $2,000 per person for Duo cover $4,000 for Family cover $2,000 for Individual cover d] We will pay you for loss of frequent flyer or similar air travel points you used to purchase an airline ticket following cancellation of that air ticket, if you cannot recover the lost points from any other source. The cancellation must be due to unforeseen circumstances outside of your control. We calculate the amount we pay you by multiplying: The cost of an equivalent class airline ticket based on the quoted retail price at the time the ticket was issued, less your financial contribution toward the airline ticket; multiplied by: The total number of points lost divided by the total number of points used to obtain the ticket. Cover under 1A 1.1 e] only applies to Plans A, B, D, E or F e] If a Relative is hospitalised in Australia or New Zealand, or dies in Australia or New Zealand after the policy is issued as a result of a Pre-existing Medical Condition, we will not cover you unless at the time of policy issue you were unaware of the likelihood of such hospitalisation or death. However, the maximum we will pay under this Section is as follows: $2,000 for Single cover $2,000 per person for Duo cover $4,000 for Family cover $2,000 for Individual cover Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 1.2 WE WILL NOT PAY a] We will not pay if you were aware of any reason, before your period of cover commenced, that may cause your Journey to be cancelled, abandoned or shortened. Nor will we pay if your cancellation fees or lost deposits arise because of: b] the death, Injury or Sickness of your Relative arising from a Pre-existing Medical Condition, except as specified under Section 1.1 e]. c] you or your Travelling Companion changing plans. d] any business, financial or contractual obligations. This exclusion does not apply to claims where you or your Travelling Companion are made redundant from full-time employment in Australia provided you or they were not aware that the redundancy was to occur before you purchased your policy.

16 i] an act or threat of terrorism. j] the death, Injury or Sickness of any person who resides outside of Australia or New Zealand, who is not listed on your Certificate of Insurance. k] where you are a full-time permanent employee and pre-arranged leave is cancelled by your employer unless you are a full-time member of the Australian Defence Force or of federal, state or territory emergency services. Section 1B TRAVEL SERVICES PROVIDER INSOLVENCY Cover is available under all Plans except Plans C, E & Basic Non-Residents. 1.3 WE WILL PAY We will pay the following if your claims arises as a result of the Insolvency of a Travel Services Provider: a] the value of the unused arrangements, less any refunds due to you, if you have to cancel any prepaid transport or accommodation arrangements booked for your Journey. We will also pay the travel agent s cancellation fees, up to the amounts set out below, however, we will not pay more than the level of commission or service fees normally earned by the agent, had your Journey not been cancelled. Documentary evidence of the travel agent s lost commission or service fees is required. The maximum we will pay is as follows: $2,000 for Single cover $2,000 per person for Duo cover $4,000 for Family cover $2,000 for Individual cover b] the Reasonable cost of rearranging your Journey, prior to or after the commencement of your Journey, provided that this cost is not greater than the cancellation fees or lost deposits which would have been incurred had the Journey been cancelled. c] the Reasonable additional hotel accommodation and transportation expenses incurred if you have to return Home. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 1.4 WE WILL NOT PAY We will not pay: a] for any travel or accommodation not booked while you are in Australia. b] due to the Insolvency of any travel agent, tour wholesaler, tour operator or booking agent. c] due to the Insolvency of a Travel Services Provider if, at the time the Certificate of Insurance was issued, the Travel Services Provider was Insolvent, or a reasonable person would have reason to expect the Travel Services Provider might become Insolvent. Please visit CHI's website to see the latest Travel Services Provider Insolvency notice. d] any accommodation expenses incurred after the date you originally planned to return to Australia. Section 1C Cover is available under all Plans except Plans C, E & Basic Non-Residents. 1.5 WE WILL PAY We will pay the unrecoverable value of any unused prepaid transport or accommodation arrangement(s), provided by or arranged by a Wholesaler, which is lost by you due to the Insolvency of the Wholesaler. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 1.6 WE WILL NOT PAY We will not pay: a] for any travel or accommodation not booked while you are in Australia. b] due to the Insolvency of any travel agent, booking agent or Travel Services Provider. c] if, at the time the Certificate of Insurance was issued, the Wholesaler was Insolvent, or a reasonable person would have reason to expect the Wholesaler might become Insolvent. Section 2 WHOLESALER INSOLVENCY OVERSEAS EMERGENCY MEDICAL ASSISTANCE/EVACUATION Cover is available under all Plans except Plan B, F, Basic Australia Only & Basic Non-Medical Cover. PLEASE NOTE: You will not have cover under this Section while travelling in your Country of Residence. Allianz Global Assistance will help you with any Overseas medical emergency (see Overseas Hospitalisation or Medical Evacuation on pages 20 & 21). You may contact them at any time 7 days a week. 2.1 ALLIANZ GLOBAL ASSISTANCE WILL ARRANGE FOR THE FOLLOWING ASSISTANCE SERVICES IF YOU INJURE YOURSELF OVERSEAS, OR BECOME SICK WHILE OVERSEAS: a] access to a Medical Adviser for emergency medical treatment while Overseas. b] any messages which need to be passed on to your family or employer in the case of an emergency. c] provision of any written guarantees for payment of Reasonable expenses for emergency hospitalisation while Overseas. d] your medical transfer or evacuation if you must be transported to the nearest Hospital for emergency medical treatment Overseas or be brought back to Australia with appropriate medical supervision. e] the return to Australia of your Dependants if they are left without supervision following your hospitalisation or evacuation. If you die as a result of an Injury or a Sickness during your Journey, we will pay for the Reasonable cost of either a funeral or cremation Overseas and/or of bringing your remains back to your Home. The maximum amount we will pay is $15,000 for all claims combined. Please note that we will not pay for any medical costs incurred in your Country of Residence

17 Section for Single & Family cover is shown under the Table of Benefits for the plan you have selected. 2.2 WE WILL NOT PAY a] We will not pay for any expenses for medical evacuation, funeral services or cremation or bringing your remains back to Australia unless it has been first approved by Allianz Global Assistance. b] We will not pay if you decline to promptly follow the medical advice we have obtained, and we will not be responsible for subsequent medical, Hospital or evacuation expenses. c] We will not pay for medical evacuation or the transportation of your remains from Australia to an Overseas country. Section 3 OVERSEAS EMERGENCY MEDICAL & HOSPITAL EXPENSES Cover is available under all Plans except Plans B, F, Basic Australia Only & Basic Non-Medical Cover PLEASE NOTE: You will not have cover under this Section while travelling in your Country of Residence. 3.1 WE WILL PAY a] We will reimburse the Reasonable medical or Hospital expenses you incur until you get back to Australia if you Injure yourself Overseas, or become Sick there. The medical or Hospital expenses must have been incurred on the written advice of a Medical Adviser. You must make every effort to keep your medical or Hospital expenses to a minimum. If we determine that you should return Home to Australia for treatment and you do not agree to do so, we will pay you the amount which we determine would cover your medical expenses and/or related costs had you agreed to our recommendation. You will then be responsible for any ongoing or additional costs relating to or arising out of the event you have claimed for. We will only pay for treatment received and/or Hospital accommodation during the 12 month period after the Sickness first showed itself or the Injury happened. b] We will also pay the cost of emergency dental treatment, up to the maximum amount shown below for the plan selected, for dental costs incurred which the treating dentist certifies in writing is for the relief of sudden and acute pain to sound and natural teeth: Plans A, C, D & E $1,000 per person Basic International, Basic Frequent Traveller & Basic Non-Residents $500 per person Please note that we will not pay for any medical costs incurred in your Country of Residence. Section for Single & Family cover is shown under the Table of Benefits for the plan you have selected. 3.2 WE WILL NOT PAY We will not pay for expenses: a] when you have not notified Allianz Global Assistance as soon as practicable of your admittance to Hospital. b] after 2 weeks treatment by a chiropractor, physiotherapist or dentist unless approved by Allianz Global Assistance. c] if you do not take the advice of Allianz Global Assistance. d] if you have received medical care under a Reciprocal National Health Scheme. Please visit for details on Reciprocal Health Agreements with Australia. e] for damage to dentures, dental prostheses, bridges or crowns. f] relating to dental treatment involving the use of precious metals or for cosmetic dentistry. Section 4 ADDITIONAL EXPENSES Cover is available under all Plans except Plan C. (See below for details of cover under Section 4.1d] & e]) 4.1 WE WILL PAY a] We will reimburse any Reasonable additional accommodation and travel expenses if you cannot travel because of an Injury or Sickness which needs immediate treatment from a Medical Adviser who certifies in writing that you are unfit to travel. We will also reimburse your Reasonable additional accommodation and travel expenses for you to be with your Travelling Companion if he or she cannot continue their Journey for the same reason. We will also reimburse the Reasonable accommodation and travel expenses of your Travelling Companion or a Relative to travel to you, stay near you or escort you, if you are in Hospital suffering from a life threatening or other serious condition, or are evacuated for medical reasons. He or she must travel, stay with you or escort you on the written advice of a Medical Adviser and with the prior approval of Allianz Global Assistance. b] If you shorten your Journey and return to Australia on the written advice of a Medical Adviser approved by Allianz Global Assistance, we will reimburse the Reasonable cost of your return to Australia. We will only pay the cost of the fare class that you had planned to travel at and you must take advantage of any pre-arranged return travel to Australia. c] If, during your Journey, your Travelling Companion or a Relative of either of you: dies unexpectedly; is disabled by an Injury; or becomes seriously Sick and requires hospitalisation (except arising out of a Pre-existing Medical Condition), we will reimburse the Reasonable additional cost of your return to Australia. We will only pay the cost of the fare class you had planned to travel at. Cover under 4.1 d] & e] only applies to Plans A, B, D, E or F d] We will reimburse you for airfares for you to return to the place you were when your Journey was interrupted, if you return to your Home because: during your Journey, a Relative of yours dies unexpectedly or is hospitalised following a serious Injury or a Sickness (except arising from a Pre-existing Medical Condition); and 40 41

18 it is possible for your Journey to be resumed; and there is more than 14 days remaining of the period of cover, as noted on your Certificate of Insurance; and you resume your Journey within 12 months of your return to Australia. The most we will pay under this benefit is as follows: $3,000 for Single cover $3,000 per person for Duo cover $6,000 for Family cover $3,000 for Individual cover e] If, as a result of a Pre-existing Medical Condition, a Relative of yours is hospitalised in Australia or New Zealand, or dies in Australia or New Zealand after the policy is issued, and at the time of policy issue you were unaware of the likelihood of such hospitalisation or death, we will pay for the Reasonable additional cost of your return to Australia and/or the cost of airfares for you to return to the place you were when your Journey was interrupted. The most we will pay for all events under this benefit is as follows: $2,000 for Single cover $2,000 per person for Duo cover $4,000 for Family cover $2,000 for Individual cover f] In addition, we will reimburse your Reasonable additional travel and accommodation expenses if a disruption to your Journey arises from any of the following reasons: your scheduled or connecting transport is cancelled, delayed, shortened or diverted because of a strike, riot, hijack, civil protest, weather, natural disaster or avalanche. you unknowingly break any quarantine rule. you lose your passport, travel documents or credit cards or they are stolen. an accident involving your mode of transport. You must have written confirmation of the accident from an official body in the country where the accident happened. your Home is rendered uninhabitable by fire, explosion, earthquake or flood. If you do not have a return ticket booked to Australia before you were Injured or became Sick, we will reduce the amount of your claim by the price of the fare to Australia from the place you planned to return to Australia from. The fare will be at the same fare class as the one you left Australia on. Wherever claims are made by you under this Section and Section 1A (Cancellation Fees and Lost Deposits) for cancelled services/facilities or alternative arrangements for the same or similar services/facilities, we will pay for the higher of the two amounts, not both. WE WILL ALSO PAY FOR THE FOLLOWING REASONS g] You are prevented from skiing at a pre-booked ski resort for more than 24 continuous hours during your Journey, because adverse snow conditions cause a total closure of the lift system. However: 1. we will not pay for claims relating to ski resorts that do not have skiing facilities greater than 1,000 metres above sea level. 2. we will not pay for claims arising outside the period 15 December to 31 March in Northern Hemisphere resorts, and 15 June to 30 September in Southern Hemisphere resorts. We will pay a daily benefit of $100 for Single or Individual cover, $100 per person for Duo cover, or $200 for Family cover. The maximum amount we will pay for all claims combined is $500 for Single or Individual cover, $500 per person for Duo cover or $1,000 for Family cover. h] We will reimburse you for the costs of hiring alternative ski and/or golf equipment following: 1. accidental loss, theft of, or damage to, ski and/or golf equipment owned by you, for which a claim has been accepted by us under Section 11 (Luggage & Personal Effects); or 2. the misdirection or delay, for a period of more than 24 hours from the scheduled time of arrival at the snow and/or golf destination, of your ski and/or golf equipment. You must provide all receipts for the ski and/or golf equipment that you hire. The maximum amount we will pay for all claims combined is $300 for Single or Individual cover, $300 per person for Duo cover or $600 for Family cover. i] We will pay you your prepaid travel and accommodation that you do not use, less any refunds due to you, if you want to cancel your Journey and return Home after the scheduled transport service on which you are travelling is hijacked. We will pay you a benefit of $1,000 for each 24 hour period. The maximum amount we will pay for all claims combined is $2,500 for Single or Individual cover, $2,500 per person for Duo cover or $5,000 for Family cover. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 4.2 WE WILL NOT PAY We will not pay: a] if you were aware of any reason, before your period of cover commenced, that may cause your Journey to be cancelled, disrupted or delayed. b] if you can claim your additional travel and accommodation expenses from anyone else. c] if your claim relates to the financial collapse or Insolvency of any transport, tour or accommodation provider. d] for delays or rescheduling by a bus line, airline, shipping line or rail authority unless it is due to a strike, riot, hijack, civil protest, weather or natural disaster. e] if you operate a Rental Vehicle in violation of the rental agreement. f] as a result of you or your Travelling Companion changing plans

19 Section 5 HOSPITAL CASH ALLOWANCE Cover is available under all Plans except Plans B, C, F, Basic Australia Only & Basic Non-Medical Cover. PLEASE NOTE: You will not have cover under this Section while travelling in your Country of Residence. 5.1 WE WILL PAY We will pay you $50 for each day you are in Hospital if you are in Hospital for more than 48 continuous hours while you are Overseas. Section for Single & Family cover is shown under the Table of Benefits for the plan you have selected. 5.2 WE WILL NOT PAY a] We will not pay for the first 48 continuous hours you are in Hospital. b] We will not pay if you cannot claim for Overseas medical expenses connected with the hospitalisation under Section 3 (Overseas Emergency Medical & Hospital Expenses). Section 6 ACCIDENTAL DEATH Cover is available under all Plans except Plan C. 6.1 WE WILL PAY We will pay the death benefit, to the estate of the deceased, if: a] you are Injured during your Journey and you die because of that Injury within 12 months of the Injury; or b] during your Journey, something you are travelling on disappears, sinks or crashes and you are presumed dead and your body is not found within 12 months. The maximum amount we will pay for the death of accompanying Dependants is $5,000 each, subject to the maximum amount shown in the Table of Benefits for the plan selected (Single & Family cover only). The limit for the death of one person under Family cover who is not an accompanying Dependant is the sum insured for Single cover as per the plan selected. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 6.2 WE WILL NOT PAY PAGES 53 TO 55 FOR REASONS WHY WE WILL NOT PAY. Section 7 PERMANENT DISABILITY Cover is available under all Plans except Plans B, C & Basic Australia Only. PLEASE NOTE: Unless you have chosen Plan D or Basic Frequent Traveller, you will not have cover under this Section while travelling in your Country of Residence. 7.1 WE WILL PAY a] We will pay if you are Injured during your Journey; and b] because of the Injury, you become permanently disabled within 12 months of the Injury. For the purposes of Section 7, Permanently disabled means: you have totally lost all of the sight in one or both eyes, or the use of a hand or foot at or above the wrist or ankle; and the loss is for at least 12 months and, in Allianz Global Assistance's opinion after consultation with an appropriate medical specialist, will continue indefinitely. The maximum amount we will pay for the permanent disability of accompanying Dependants is $5,000 each, subject to the maximum amount shown in the Table of Benefits for the plan selected (Single & Family cover only). The limit for the permanent disability of one person under Family cover who is not an accompanying Dependant is the sum insured for Single cover as per the plan selected. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 7.2 WE WILL NOT PAY PAGES 53 TO 55 FOR REASONS WHY WE WILL NOT PAY. Section 8 LOSS OF INCOME Cover is only available if you chose Plans A, D, Basic International & Basic Frequent Traveller. PLEASE NOTE: Unless you have chosen Plan D or Basic Frequent Traveller, you will not have cover under this Section while travelling in your Country of Residence. 8.1 WE WILL PAY If you are Injured during your Journey and become disabled within 30 days because of the Injury, and the disablement continues for more than 30 days after your return to Australia, we will pay as follows: Plans A & D $400 per person, per week for a period of up to 26 weeks Basic International & Basic Frequent Traveller $400 per person, per week for a period of up to 13 weeks We will only pay if you cannot do your normal or suitable alternative work and you lose all your income. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected

20 8.2 WE WILL NOT PAY a] We will not pay for the first 30 days of your disablement from the time you return to Australia. b] We will not pay for the loss of income of Dependants. Section 9 LOSS OF TRAVEL DOCUMENTS, CREDIT CARDS AND TRAVELLERS CHEQUES Cover is available under all Plans except Plans B, C & Basic Australia Only. PLEASE NOTE: Unless you have chosen Plan D or Basic Frequent Traveller, you will not have cover under this Section while travelling in your Country of Residence. 9.1 WE WILL PAY a] We will reimburse you the replacement costs (including communication costs) of any travel documents, including passports, credit cards or travellers cheques you lose or which are stolen from you during your Journey. b] We will also cover loss resulting from the fraudulent use of any credit card held by you following the loss of the card during your Journey. We will only cover those amounts not covered by any guarantee given by the bank or issuing company to you as the cardholder covering such losses. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected. 9.2 WE WILL NOT PAY To the extent permissible by law, we will not pay if: a] you do not report the theft within 24 hours to the police and, in the case of credit cards and travellers cheques, to the issuing bank or company in accordance with the conditions under which the cards or cheques were issued; and b] you cannot provide us with a written statement from the police or the issuing bank or company as required by a] above. Section 10 THEFT OF CASH, BANK NOTES, CURRENCY NOTES, POSTAL ORDERS OR MONEY ORDERS Cover is available under all Plans except Plans B, C, E, Basic Australia Only & Basic Non-Residents. PLEASE NOTE: Unless you have chosen Plan D or Basic Frequent Traveller, you will not have cover under this Section while travelling in your Country of Residence WE WILL PAY We will pay for cash, bank notes, currency notes, postal orders or money orders stolen from your person during your Journey. Section for Single, Family & Individual cover is shown under the Table of Benefits for the plan you have selected WE WILL NOT PAY To the extent permissible by law, we will not pay if: a] you do not report the theft within 24 hours to the police or an office of the bus line, airline, shipping line or rail authority you were travelling on when the theft occurred. You can prove that you made a report by providing us with a written statement from whoever you reported it to. b] the cash, bank notes, currency notes, postal orders or money orders were not on your person at the time they were stolen. Section 11 LUGGAGE AND PERSONAL EFFECTS Cover is available under all Plans except Plan C. (See page 48 for details of cover under Section 11.1d]) PLEASE NOTE: for the purpose of this Section: specified items refers to Luggage and Personal Effects that have been listed as covered on your Certificate of Insurance with a nominated sum insured unspecified items refers to Luggage and Personal Effects that have not been specifically listed on your Certificate of Insurance 11.1 WE WILL PAY a] We will pay the repair cost or value of any Luggage and Personal Effects which, during the Journey, are stolen or accidentally damaged or are permanently lost. When calculating the amount payable we will apply depreciation due to age, wear and tear for each item. The amount of such depreciation will be determined by us. No depreciation will be applied to goods purchased duty free prior to your departure or goods purchased during your Journey. We will not pay more than the original purchase price of any item. We have the option to repair or replace the Luggage and Personal Effects instead of paying you. b] The maximum amount we will pay for any item (ie. the item limit) is: Plans A, B, D, E & F $3,000 for personal computers, video recorders or cameras. $1,000 for mobile phones (including PDAs and any items with phone capabilities) $750 for all other unspecified items. Basic International, Basic Australia Only, Basic Frequent Traveller, Basic Non-Residents & Basic Non-Medical Cover $750 for all unspecified items. A pair or related set of items, for example (but not limited to): a camera, lenses (attached or not), tripod and accessories; a matched or unmatched set of golf clubs, golf bag and buggy, or a matching pair of earrings, are considered as only one item for the purpose of this insurance, and the appropriate single individual limit will be applied. c] In addition to the limit shown in the Table of Benefits for this Section, we will also pay up to a maximum of $5,000 (or such other lower amount which you have previously selected) for all items combined, that you have specified under Specified Luggage & Personal Effects Cover and paid an additional premium for. The standard item limits shown in 11 b] above do not apply to the specified items listed on your Certificate of Insurance

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